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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,212 | $50,947-76.0% | $74,549-83.6% | $64,173-81.0% |
| Participation rate | 53.4% | 61.1%-7.6pp | 69.1%-15.7pp | 69.6%-16.1pp |
| Annual return | -10.22% | -1.85%-8.4pp | 32.53%-42.8pp | 7.63%-17.9pp |
| Employer contribution / active EE | $1,223 | $1,115+9.6% | $1,961-37.6% | $2,381-48.6% |
| Participant deferral / active EE | $2,032 | $2,302-11.7% | $3,108-34.6% | $3,470-41.4% |
| Admin fee / account holder | $1,235 | $4,221-70.7% | $5,059-75.6% | $4,887-74.7% |